CAPITAL ONE FINANCIAL CORPORATION

2015-12-08

Columbia, SC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Hastings Hdsn, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Baton Rouge, LA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Phoenix, AZ

Credit card protection / Debt protection

Credit card:

Complaint: I have disputed a transaction for {$1600.00} with Capital One Credit Cards, since the company XXXX Billed my card without my authority for $ XXXXXXXXAt no stage has capital one provided with the payment slip with my signature authorsing this charge, there is no follow up from the Capital One Dispute team and no one in capital one is taking ownership of this problem. This charge is clearly unauthorised and should be refunded back to me by Capital One.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-08

Allenwood, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I received a call, yesterday, from a representative, XXXX, from Capital One Auto Finance. She proceeded to ask personal information so I could verify the account. I am currently awaiting the title on a loan payoff and my ex husband has been trying to get information. After I verified the information, as my account has a block on it since XXXX XXXX, 2015, I asked if my ex has been trying to get information. At that time, XXXX informed me that my ex, XXXX XXXX, was on the line with us. I was furious that this representative had allowed my personal information and block information to be available to XXXX XXXX. I ended the call and proceeded to call COAF and request to speak with a manager. After nearly an hour of waiting, and several calls ( after being disconnected ), I was able to speak with XXXX, a representative in the " President 's Office '' department. She was apologetic, after reading file where clearly states that XXXX XXXX is to be blocked from any and all information. She said she would listen to call and get back to me. XXXX called at the time she promised. She was upset that the representative had done exactly as I had said. She also listened to a few of prior calls, starting with call on XXXX/XXXX/15 where I put the block on the account. She noted that XXXX XXXX had tried several times to gain information and was denied. She was unsure why XXXX had given the information out. I was extremely agitated and full of anxiety. There is a history of violence with XXXX XXXX and my information was private for a reason. I obtained the information to write a letter, XXXX XXXX, President, at above referenced address. The representatives I spoke with are XXXX-ID # XXXX, XXXX, ID # XXXX, and XXXX, ID # XXXX. It was necessary for me to contact my medical doctor for instructions on medication to calm me down. I am, still, this morning, quite anxious and in fear. I have filed this complaint with the FDIC and I will take further action in contacting NJ Division of Banking and Insurance ( XXXX ) and an attorney. Thank you, XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Nyc, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am being charge for XXXX overdraft transactions, each of {$35.00} by my Bank without me being responsible of such. Just because it was posted. I try to speak to my bank about it with no resolution
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Ft Belvoir, VA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: In an effort to rapidly repay the HELOC, I sent Capital One XXXX several XXXX dollars over and above the monthly interest payment. On XXXX occasions in the last 12 months, Cap One applied the payment to " this '' month 's interest, and to " next '' month 's interest. In XXXX cases, they mistakenly credited my account with a couple dollars less interest and applied the rest to principle, then filed a 30-day late payment notice with the credit bureaus.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Stanton, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Houston, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-07

Virginia Bch, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Dania, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-07

Oakland, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Bowie, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Chestnut Street, IL

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-07

Dacula, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-07

Billerica, MA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-07

Fountainville, PA

Billing disputes

Credit card:

Complaint: In XXXX I paid {$90.00} to Kohl 's Department store on my husband 's account instead of mine. When I received the XXXX bill I immediately contacted Kohl 's and was assured that the money would be transferred to my account from his and that late fees, etc. would be removed. In mid XXXX and in late XXXX I received telephone calls asking why my bill was not being paid. I explained the situation each time and was promised that it would be corrected. Employees I have spoken to include XXXX ( employee # XXXX ) and XXXX ( employee # XXXX ). Our account numbers are XXXX XXXX XXXX, XXXX XXXX XXXX. On XXXX XXXX I received a letter stating that my Kohl 's charge was being suspended and that my " refusal to pay '' was being reported to credit collection agencies. Please assist me in resolving this matter, so that our credit ratings are not effected.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-07

Center Moreland, PA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Williamston, MI

Credit card protection / Debt protection

Credit card:

Complaint: I updated my email through the Kohls website and they were not sending me my statements. It appears they have charged my account over XXXX dollars in late fees, and did not notify me they had not been receiving my payments on time. I had no way to determine they were not receiving them onetime since the statements did not come to me. and the payments are automatically withdrawn from my checking account each month. I asked if they would assist me and they said NO. I want some assistance in having these fees removed/reversed.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-07

TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: My vehicle, originally financed with Capital One Auto was traded to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I contacted capital one to advise of this. My concern was that a payment was due on the XXXX ... .the rep advised me that she would note the account accordingly that the payoff would be received. There were problems with paperwork, dealer placed incorrect vin on contract so I had to resign. I contacted capital one to advise and express my concern with over XXXX and to advise of the reason for the delay. The rep advised me that if the payoff was n't received by the XXXX, they would correct the account once the payoff was received. I continued to check daily and there was an overage that was due to me as well. After the payoff posted on XXXX XXXX ... I contacted Capital one again. They submitted the dispute on my behalf and it was denied. I asked why and explained what I was previously advised when contacted. There was no concern. My account was never paid late during the two years I had the loan and I would like for the XXXX to be removed from my credit report. If that was n't the case, capital one should advise their agents to provide correct information to their customers.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Los Angeles, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-07

Steubenville, OH

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

AZ

Transaction issue

Credit card:

Complaint: Back on XXXX XXXX, 2015 I purchased a cell phone from XXXX XXXX using my credit card. When the phone did not arrive, I called to file a dispute on the XXXX of XXXX. I was issued a temporary refund to my account. I always make the habit of paying off my balance as soon as the charges clear the account before the statement is processed, so I paid the charge of {$1000.00} already back in the beginning of XXXX, but as of XXXX XXXX, I noticed the refund was taken away and I was rebilled for the charges of {$1000.00} and I am being asked to pay them XXXX even though I still do not have the merchandise that I originally paid for. I called several supervisors who claimed that a mistake was made and that I recieved XXXX charges and XXXX credits that should have cancelled each other out, but they would do nothing the correct this issue and I was forced to pay the {$1000.00} back to the credit card company to avoid a negative consequence on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Clarkesville, GA

Closing/Cancelling account

Credit card:

Complaint: I previously had a General Motors credit card. I allowed the card to lapse about three years ago. I cut up the cards and there has been no activity on the card for over three years. In XXXX of 2015 the credit card management company, Capital One allowed a vendor, XXXX, to make a charge against this card. I had previously allowed my membership to XXXX to expire. I disputed the charge made by XXXX in XXXX of 2015. Since that time I have seen the original charge along with overdue charge to continue to grow. I complained a second time in XXXX of 2015. As of yet this has not been resolved. This account was closed. The vendor had no right to make a charge against me. The vendor had no right to make a charge against a closed card.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Rochdale, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I based my decision to put up my deposit on the contract based on the good faith estimate given to me by Capital One bank. Upon receiving the HUD1 the estimates changed dramatically whereas now I ca n't meet the closing cost. Now that I canceled the closing they are sending me bills for attorney fees, title search appraisals etc. What are my options?
Company Response: Closed with explanation

Disputed: No Timely Response